www.williamburrows.comrecent.aspx William Burrows - Recent Posts en-us http://blogs.law.harvard.edu/tech/rss Jitbit AspNetForum Sun, 20 May 2012 22:45:42 GMT Sun, 20 May 2012 22:45:42 GMT www.williamburrows.commessages.aspx?TopicID=19 Sun, 20 May 2012 22:45:42 GMT www.williamburrows.commessages.aspx?TopicID=16 http://www.williamburrows.com/rates/ddcalcs.aspx]]> Sun, 20 May 2012 22:15:36 GMT www.williamburrows.commessages.aspx?TopicID=18 consumers are to be offered a transparent and fair charging system for the advice they receive

It is not the product that is affected but the advice.

This means that if annuity is sold without advice it is not covered by RDR but if advice is given it will be covered by RDR
edited by Billy Burrows on 15/04/2012]]> Sun, 15 Apr 2012 22:12:29 GMT www.williamburrows.commessages.aspx?TopicID=18
Thanks

Noel
edited by Noel Cooper on 15/04/2012]]> Sun, 15 Apr 2012 22:04:31 GMT www.williamburrows.commessages.aspx?TopicID=17
see our webpage on Trivial Pensions - http://www.williamburrows.com/annuity/trivial.aspx]]> Thu, 22 Mar 2012 13:49:41 GMT www.williamburrows.commessages.aspx?TopicID=17 Thu, 22 Mar 2012 13:47:04 GMT www.williamburrows.commessages.aspx?TopicID=16
Obtain the yield (strictly a gross redemption yield) on UK gilts (15 years) from the FTSE UK Gilts Indices, as published daily in the Financial Times newspaper, for the 15th day of the calendar month before the calendar month in which the point of calculation falls. Where the pensioner is under 23, the 5 years yield should be used. These yields are published in the Financial Times on the following day. If the 15th day of the preceding calendar month is not a working day,]]> Fri, 16 Mar 2012 15:25:38 GMT www.williamburrows.commessages.aspx?TopicID=15
FSA Firm registration number: 153420]]> Mon, 27 Feb 2012 22:17:42 GMT www.williamburrows.commessages.aspx?TopicID=14
It costs nothing to take advantage of this option and new rules introduced recently by the FSA means that insurance company must tell you about this option. Check out the best annuity rates using our online annuity calculator.]]> Mon, 27 Feb 2012 21:29:22 GMT www.williamburrows.commessages.aspx?TopicID=13
If you are liable for higher rate tax this will taxed accordingly]]> Mon, 27 Feb 2012 21:28:30 GMT www.williamburrows.commessages.aspx?TopicID=12
The amount of compensation is 100% of the first £2,000 plus 90% of the remainder of the claim. Policyholder protection is triggered if an authorised insurer is unable, or likely to be unable, to meet claims against it, for example if it has been placed in provisional liquidation.]]> Mon, 27 Feb 2012 21:27:39 GMT www.williamburrows.commessages.aspx?TopicID=11
Billy has traded as William Burrows Annuities since leaving Prudential in 2001 where he was marketing director for annuities. He regularly features in the national media commenting, writing or speaking about annuities.

Tim is a Chartered Financial Planner and started in financial services in 1995 having spent many years working in the leisure industry. He has held many senior posts including CEO of the Personal Finance Society in 2006, the foremost professional body for financial advisers in the UK
edited by Billy Burrows on 27/02/2012]]> Mon, 27 Feb 2012 21:25:57 GMT www.williamburrows.commessages.aspx?TopicID=4 1 - Use our online annuity calculator

2 - Complete our online annuity form

3 - Call us 0207 636 7278]]> Sat, 25 Feb 2012 10:25:32 GMT www.williamburrows.commessages.aspx?TopicID=9 Many annuity providers have yet to finalise the exact way in which they will show fees on their quotes but it is expected the following will happen when the fee is to be taken from the pension fund and paid by the provider:


üThe adviser will agree the fee in advance with the client
üThe adviser will tell the annuity provider what fee to show on the quote
üThe insurance company will calculate the annuity income paid to the client taking into consideration the amount of the fee
üThe annuity quotation will show the annuity income and fee payable to the adviser]]> Mon, 20 Feb 2012 01:06:49 GMT www.williamburrows.commessages.aspx?TopicID=9 Tue, 31 Jan 2012 00:23:37 GMT www.williamburrows.commessages.aspx?TopicID=7
I don't think that annuities are poor value becuase they do what they are desinged to do - pay a guaranteed annuity for life.

I am saying that with such so low annuity rates, it might be possible to get a higher income in the longer term by looking at the alternatives but this does mean that investors are taking more risk]]> Sun, 29 Jan 2012 18:19:38 GMT www.williamburrows.commessages.aspx?TopicID=7
Do you mean that annuities are bad value and nobody should buy them?

Thanks]]> Sun, 29 Jan 2012 17:53:46 GMT www.williamburrows.commessages.aspx?TopicID=6

• How much income flexibilty do you need


• How much risk can you tolerate? - The income you can get at the end of the term may be lower than expected


• How much is the guaranteed maturity value at the end of the period


• Your health - do you think you will qualify for an enhanced annuity in the future?

]]> Mon, 16 Jan 2012 01:29:53 GMT www.williamburrows.commessages.aspx?TopicID=6 thanks
edited by George Bentley on 16/01/2012]]> Sun, 15 Jan 2012 22:08:28 GMT www.williamburrows.commessages.aspx?TopicID=5

• Setting up SIPP and annual charge- normally around £ 150 + VAT for set up and about £ 100 + VAT per annum
  
• Investment charges - normally about 1% per annum
  
• Adviser charge - normally about 3/4 hours
  

Obviously costs differ from company to company and between advisers but this is a realsitic indication.

Beware of SIPPs that appear to have no set up costs because the fees may be loaded on annual mangement charges.
edited by Billy Burrows on 11/01/2012]]> Wed, 11 Jan 2012 14:33:09 GMT www.williamburrows.commessages.aspx?TopicID=5 Wed, 11 Jan 2012 14:25:59 GMT www.williamburrows.commessages.aspx?TopicID=4

• Get the best annuity quotes


• Apply for enhanced annuities


• Provide quoations for alternative annuities e.g. Fixed Term and Investment Linked


• Advice you on the best annuity options


• Provide advice and information on capped and flexible drawdwon
  
  

Contact us for a quote or to be added to our newsletter list
edited by william burrows on 08/01/2012]]> Sun, 08 Jan 2012 10:38:53 GMT www.williamburrows.commessages.aspx?TopicID=3 On the other hand rates could stay low for many months / years if the UK economy is stuck in recession.

Perhaps the best answer is that we expect bond yields to increase slowly in the coming months but the full effect of any increases may not be passed on to annuitants as insurance companies use the extra yields to restore their capital reserves.

Do look at my latest annuity update]]> Fri, 06 Jan 2012 16:07:53 GMT www.williamburrows.commessages.aspx?TopicID=3 Fri, 06 Jan 2012 16:01:14 GMT www.williamburrows.commessages.aspx?TopicID=2 As far as HMRC are concerned, there’s no requirement now to crystallise at age 75 – you can delay indefinitely.
However, if you didn’t take PCLS at 75 and then died before you did, any lump sum death benefit will suffer a 55% death charge on the full amount – part of which could have been taken tax free.]]> Thu, 05 Jan 2012 23:57:06 GMT www.williamburrows.commessages.aspx?TopicID=2 Thu, 05 Jan 2012 23:54:14 GMT www.williamburrows.commessages.aspx?TopicID=1

No we don't charge for getting annuity rates and we will be pleased to get you annuity quoations without charge or commitment.

There are a number of ways in which you get quotes. If you are retiring soon:

• Use our online annuity calculators or ask us to get a quote for you annuity calculators

If you are retiring at a future date:

• Follow the annuity trends and see our charts

edited by Billy Burrows on 08/01/2012]]> Wed, 14 Dec 2011 23:26:31 GMT